How to Prepare a Bill of Sale Properly

You can prepare a customized bill of sale in five minutes. Learn how to do it properly and how to avoid common pitfalls.

How to prepare a Bill of Sale and how to avoid common pitfalls

A bill of sale form is used to transfer the ownership from a seller to a buyer. The four main bill of sale forms are for: auto, boat, personal property and business.

The Internet made all these forms readily available at a reasonable price.

In five minutes or less, the user can prepare a bill of sale as follows:

1. Purchase the form and download the form.
2. Open the downloaded form and print.
3. Use a pen; fill in the blanks by following the instructions.
4. Done.

The common pitfalls and their repercussions:

1. Using a free form download from the Internet. Such forms almost always contain errors and are incomplete.
2. Using a handwritten bill of sale. Such forms almost always contain errors and are incomplete.
3. Failing to detail and describe what is being sold. It is important to have what is being sold detailed and described.

Avoiding the three pitfalls listed above can help both the seller and buyer avoid both headaches and expenses down the road. The following are few common examples:

1. In the event the buyer is unsatisfied with their purchase as they may deem that what they received was not as described. A proper bill of sale including the condition of the item being sold thus resolving such issues.


2. Using an improper form that does not detail important information. This causes that buyer issues down the road when attempting to resell what was bought. As an incomplete form may lack a vehicle VIN number or boat identification Hull number.


3. The seller also needs to protect themselves as exemplified here. When selling a car, it is important to include the "Odometer Disclosure Statement". This provides the seller legal protection in case the buyer alters the odometer in the future when reselling to obtain a better price. In such a case, it is impossible to ascertain who changed the odometer reading. The seller by using a proper form protect themselves from dealing with such possibilities.

There are just few examples. There are many other scenarios.

Is a professionally prepared Bill of Sale a must?

Yes. For a small price, this provides legal protection for the both the seller and buyer and saves them costly expenses and headaches down the line.

Some Helpful Tips For First Time Owners Of Credit Cards

One of the happiest things that you can ever experience is having your first application for a credit card approved. You will definitely spend lots of time looking for the things you want to buy and planning for your first shopping spree that doesn't involve you getting some cash out of your wallet once you receive your card.

However, you have to know that credit cards are one of the leading reasons why thousands of people are currently in debt. They are indeed handy to have but for many people, they are cause of the financial woes and problems.

First time owners of "plastic money" can easily become victim of overspending. After all, the experience of going shopping without paying for any item with cash and being able to pay for them in installments and even at zero interest rates can really be very appealing. But before you know it, it seems that you can't stop using your plastic card to buy anything, even if you tell yourself that you will only use it for emergency reasons.

If you are a first time owner of a credit card, below are some tips you can follow so that you can avoid overspending and maxing out your card:

For those still applying for their first credit card or looking to get another one, you need to choose your card well. At present, there are various credit cards offered by different companies and banks suitable for varying spending and lifestyle needs. You can get a card that is perfect for most day-to-day expenses and one that doesn't come with an annual fee. There are also ones that you can get with higher spending limits and cards that comes with international concierge service. Basically, choose a card that suits your needs. However, you also need to apply for a card that you can realistically afford. As such, when applying for a card, make sure you know the interest rate and payment terms.

Always plan your purchases. Once you receive you card, make sure you plan for and be highly selective about the items you will pay for using it. Remember that any unplanned, small, and frequent purchases on your credit card will add up. You should also consider setting a limit to any big-ticket item you want to buy and stick to this cutoff point.

It is still more advisable to use cash. Even if you don't have a lot of spare cash, it is still more sensible to pay for your lunch, coffee or a new book you want to buy with cash. By doing this, you get to avoid accumulating high interest rates on your credit card bills.

Lastly, use your rewards. Almost all credit cards now come with certain privileges and the best ones will provide you with valuable rewards, such as free travel after reaching the required points. And once you can avail of these rewards, make sure that you put them into good use and enjoy these freebies.

Article Source: http://EzineArticles.com/8778365

Will Apple Ever Make It to the Finance Industry?

PayPal on Apple iCloud Issues
Will Apple ever make it to the Finance Industry after PayPal showed negative reactions to Apple launching their Mobile Payment Service Apple Pay?
PayPal publicly questioned Apple's credibility in getting into the Financial Industry when it announced recently in the New York Times its open contempt on Apple's new technology. Putting much emphasis on Apple's recent issue over iCloud, PayPal reminded the public when celebrities' intimate photos suddenly went into circulation, throwing doubts on Apple's credibility to secure financial accounts. The Ad accompanying such remark even stated, "We want our money, more than our selfies!"
The Technology to Replace Apple Pay Wallet
After the success of the Apple Pay, Apple is now launching another technology to upgrade Wallet features. This time, cash transactions are quick and made easy through a phone built-in NFC feature. NFC is a sensor strip built into every iPhone 6 and iPhone 6 Plus phones. This strip is found at the top of the phone and is activated once you hold your phone over a sensor. By simply touching the ID for authentication, transaction is done. With the new Apple invention, cash transactions are more quick and easy. For security of transactions, credit cards which appear on your Passbook are secured in an enclave at the phone as the credit card number is never stored. This makes your card number isolated from your transaction as a security code is sent over the wire. So if you lost your iPhone, it can easily be disabled. With the NPC sensor strip, it can turn your iPhone into debit and credit cards for you. You can use it for online transactions without filling up long forms. Just one tap is all you need. Apple Pay also works with Apple Watch but Apple Company still had to work out for more details. Some third Party Apps are also integrated in the new invention paving way for more apps developers in the future.
Apple on the iCloud Breach Issue
After hours of investigation into Apple Security System, Apple CEO, Tim Cook reaffirmed its vehement denial to the allegation that there is a breach in their iCloud Security Feature. According to the result of the conducted investigation, Apple did not find any reason to support Hollywood Celebrity, Jennifer Lawrence's cries for breach security after nude photos went into circulation in the internet. Other celebrities involved were Selena Gomez, Mary Elizabeth Winstead, Kate Upton and Kirsten Dunst.
Apple insisted that investigation results showed compromises on user accounts, passwords and security questions. In short, they were done by hackers and not a breach issue on the part of the Company. Apple CEO further advised their patrons to use double security measures. Apple also added more security features to avoid compromises in their product and customers security by sending out alert emails every time they log in into their iCloud using web browsers. This does not exclude even those who regularly log in into their iCloud. However, this will only be temporary as Apple works to find more ways to improve their security against nude-crashes. Apple also got some plans to improve iCloud security by sending out emails and push notifications to iTunes users in cases of any attempts seen to change their passwords, restore iCloud data to another device, or log into iTunes for the first time.
PayPal Irrelevant Issue Raises Doubts on Apple Security
Now that Apple had announced the entry of the Apple Pay, with more sensible features attuned to secure data of its users while doing transaction more easier, this could provide them a portal to the Finance Industry. But after the iCloud issue, which proves to be a drawback to Apple Security Measures, will joining the Finance Industry be a good move for Apple? Will it prove to be their downfall or their breakthrough to the Finance Industry?
With these issues to raise, PayPal, the largest online banking showed reluctance if not dismayed on Apple's decision to go into Finance Industry. What with the large portion of their market brought to them by Apple?
After celebrities nude photos goes into circulation over the web, PayPal's negative comment on Apple iCloud Security take its drawback as people started questioning and pointing on its effects on PayPal. The allegation against Apple iCloud does not limit the people assumptions that if it happens to Apple, there is a great possibility that the same thing can happen to PayPal any time. This assumption as to PayPal's loophole in their security was finally backed up by a blog posed by a 17-year old kid from Melbourne, Australia. This post is relevant and probably the very reason why Apple commanded much attention from PayPal and other online financial and banking institutions. If PayPal is getting restless over transactions involving iPhone, how would it react if hackers would finally treat PayPal to the same extent that they treated Apple?
Apple had indeed shown their great expertise in dealing with such crisis. Once again, they prove to their customers and competitors that they are always ready and capable to develop their products and services. They are giving much focus on the provision of full security, both to their products and customers or users. It is but natural for a corporation as big and as great as Apple, to be facing such issues. But what is important is the fact that they never stop in looking for great innovations for the improvement of every product feature.
The battle between Apple and eBay may take its final course in the long run, when people themselves will watch and measure its final outcome. However, being in the same industry where a company's credibility is at stake over finances, it's better to collaborate in providing solutions to any loophole in the technology. Conquering the Finance Industry is still a long run for Apple but with the introduction of the new-featured iPay Phone, will they be able to make it or break it in the Finance Industry? Apple's entry to the finance Industry will surely bring various reactions on everyone, including existing and potential competitors.
The Issue oni Cloud Security is just a gateway for Apple to consider joining a new Industry but issues such as this one surely leaves a lot to learn and to develop. Finances and Technology always comes hand-in-hand. When you got one in your hand, it takes one great decision to hold on to the other!

It is more likely that Apple will survive the recent hit on their security issue regarding iCloud after Hollywood celebrities went gaga over 'selfies nudies'. Know how they will be getting over it and develop the use of their technology to regain back public trust and confidence. Moreover to that, Apple is gaining entry to the Finance Industry. Will this be a breakthrough or just another high-risk move to improve current business standing?

Article Source: http://EzineArticles.com/8767496

How Credit Cards Cause Global Warming

Global warming, as you may be aware, is a serious threat to the only place in this vast universe where we can exist.
We are, in fact, steadily heating up our "home" Centigrade by Centigrade, Fahrenheit by Fahrenheit. So, when the tipping point comes, it will literally go up in flames... and our earth would become an inhabitable mass of dust and rocks.
The primary reason for being roasted alive, slowly but surely, is our excessive use of the natural resources. Millions of tons of coal, oil and minerals are devoured year after year to meet our insatiable demand for energy and countless goods and merchandise.
To a large extent, credit cards are responsible for this relentless march of the human race towards its own extinction.
No, the problem is not the raw material that goes into the making of a credit card. Rather, it is the unbridled consumerism generated by this innocuous looking piece of plastic.
When we have limited money to spend, our wasteful tendencies get automatically restricted.
However, credit cards have the magical power to multiply money. By making available to us, our many years of future income, it puts a colossal amount of purchasing power in our hand. This, naturally, stimulates and incites unrestrained consumption.
Consumption by itself is not bad. However, this practically unlimited money-power begets over-consumption. In fact, human "needs" are finite. You can eat only so much; you need just one house to live; you can't drive more than one car at a time or talk on multiple phones; and so on. As such, a vast amount of this over-consumption actually ends up as "utter waste". Just look around and you will find millions of bloating tummies, hundreds of unused items lying scattered around in our homes, no parking space for our cars, etc.
Our planet does not have the capacity to handle such mammoth amount of waste that is being generated in such a short interval of time. As a result we have global warming, ozone layer depletion, polluted rivers and many such ways of environmental destruction.
I wonder if our earth will survive this credit card crisis.
By the way, even before this impending "collective annihilation" becomes a reality, credit cards have devastated many individual lives. And this damage is not just limited to their finances. Health, relationships, marriage, mental peace, all have suffered immense harm.
There is no secret formula to living a life free from the pressures of a credit card. The centuries old wisdom - spend less than what you earn - is as relevant today as it was ages ago. To counter the numerous temptations around us, I had recommended 3 places where you should not use your Credit Card.
I threw all my credit cards (except one for convenience and emergencies) into the dustbin. What about you?
What legacy would you like to leave for your children... big houses, big cars and big debts or clean air, clean water and clean food? The power to write your children's destiny is in your hands.

Article Source: http://EzineArticles.com/8784941